I’ve been paying $90 a month expecting peace of mind for my pet’s health. Instead, I’ve received nothing but frustration. Not a single one of my claims has been approved – not even the most basic or clearly eligible expenses. Every time I submit a claim, it feels like they find some excuse to deny it.

The insurance company sent me a renewal for Aug 12,2025 with inflated premiums. When I told them that I do not want to renew it, they cancelled my current policy as well and would not reinstate it. There was absolutely no other reason for the cancellation and they have no legal right to do so. Many emails back and forth and I gave up.

The website is a nightmare. If you upload claims, they get lost. Customer service is abysmal. I am constantly having to call to straighten out my claims. I have two dogs, they always go to vet together, and so I have to send all pages of claim forms for each dog, that’s Ok, but they constantly screw it up. I finally spoke with a claims manager about the mess. It says it will take 5 days to review claims, it’s more like 20-25. Problem is once you are with a company you can’t change because of pre existing conditions.

I have had Nationwide pet insurance for my pets for close to 8 years. I now have 3 pet policies and never had 1 claim on any of them. My oldest pet now 8 years old had a policy renewal this month. My monthly plan is around $50 per month, with this years renewal my payment we up to around $90. This is an increase of $35 PER MONTH!!!! On a policy that has not had ONE claim. This is the SECOND increase in 13 months, I had an $10 increase last year upon renewal. That is almost an increase of $50 in 13 months! While I understand the need to adjust the premium, but my monthly payment has almost doubled in 13 months. I called and was told the increase in a result of the average of the issues other pets of the same age and breed have had and the ONLY way to lower the payment amount is to raise my deductible. So let me get this straight, I started my policy 8 years ago choosing the lowest deductible paying more each month so in the event we needed to use the policy it would be less out of pocket. Now the only way to lower my almost doubled monthly premium is to raise my deductible which means MORE MONEY OUT OF MY POCKET if I need to use the policy. I should have used the higher deductible amount all along!!!! I've paid nearly $4,000 over a 8 year period to keep my deductible lower and now the only way to be able to afford this policy is to raise my deductible from $250 to $1,000. So assuming I need to use this policy, I'm out $1,000 on top of the premiums I've already paid, so close to $5,000. Why have insurance!!!! Now my pet is too old to go anywhere else without paying more. Well done Nationwide Pet...WELL DONE! Kudos for figuring out how to really stick it to you long time clients!

My policy includes preventative care coverage and my claim for anal gland expression was denied even though it is specifically listed under preventative care. The reason for denial is not clear on the EOB so I called customer service learn that I would first need to see the Vet and have the Vet recommend the procedure. I agree with that for standard policy coverage. The preventative care coverage does not state that I first need to see the Vet. The appeal process is complicated and designed so that customers will decide it is not worth the hassle. Poor customer support and service. If I could give you a negative 5 stars for this instance, I would

I had a very disappointing experience with this insurance company and felt misled by their unclear policies. I strongly advise looking elsewhere for insurance needs.

I still never got answers on whether my issue was resolved!

huge water damage in kitchen. app said to record video and pictures which I did. app asked what was damaged. so many items were damaged and I began to list them.

If I could give them a ZERO, I would.

“Service” is conducted entirely through chat bots. I can’t even look up when my next payment is due without going through several prompts with their chat bot. It’s obnoxious and frustrating. There aren’t enough self-service features that don’t involve talking to a bot, and the chat sometimes provides limited response options that don’t fit my situation. Taking the human element out of customer service is ridiculous.